Adira Finance Implements Measured Expansion Amid Market Challenges

Strategic Shift in 2026

PT Adira Dinamika Multi Finance Tbk (ADMF) is adopting a more measured and selective expansion strategy for 2026 in response to the ongoing sluggishness in the automotive market throughout 2025. Chief Financial Officer Sylvanus Gani revealed that the company will focus on strengthening its portfolio diversification by simultaneously developing both automotive and non-automotive segments.

Diversification Strategy

The decision to diversify comes as Adira Finance faces continued challenges in consumer purchasing power. By expanding its business outside Java, the company aims to capture new market opportunities while maintaining its existing customer base. The strategy includes strengthening non-automotive financing alongside its core automotive business.

Regional Expansion Focus

Adira Finance is particularly focusing on expanding its network outside Java, recognizing the potential growth opportunities in other regions. This regional expansion is part of the company's broader strategy to achieve more balanced growth across different markets.

Market Context

The automotive market has experienced a slowdown throughout 2025, affecting various industry players. In response, Adira Finance is adapting its business strategy to navigate these challenges while positioning itself for future growth.